REI isn't a consumable.

Consumer electronics company TomTom (you know, the guys that make those small GPS thingamajigs for your car's dashboard) released its new study and L.A. is ranked number one in the United States when it comes to congestion.

I will check out Zillow and realtor.com for sure, they are just much more time consuming I’ve come to find out as I can’t filter for not being a 55+ or country club on Zillow which is what a huge amount of properties are in my price range.

Hi Chelsea,You bring up a good point - if minimizing the cost of capital is your goal (and it's a reasonable one), then the bank you found might be a good option.There are a couple of reasons why real estate investors might opt for a private or HML in your situation;1.

Not just the big non -portfolio lenders but portfolio lenders that like to operate nationally at a consumer level. 

This agency would develop algorithms that would negate the impact of past discrimination, make credit scoring more transparent (currently, credit scoring models are proprietary and consumers don’t know exactly how they are scored), make the dispute resolution process more accountable and also enable data security.Under Biden’s proposal, which would phase out the existing private credit bureaus over a seven-year period, adverse input from medical debt and delinquencies on predatory loans would not make its way onto credit reports and the scoring process.

That seems very time consuming for just an initial analysis.

Have you considered maybe a zone variance or is that too time consuming for the deal you currently have going?

The problem is they make the process so time consuming with forms and inspections and etc etc in order to "help" the vets, but what happens is most owners would then rather rent to a "normal" (sorry, for lack of better term) tenant. 

The barrier to entry and price to rent ratios are still solid in many Cleveland neighborhoods, as with all products and services you have to provide something that the consumer wants.